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Bay State Bank is committed to a simple philosophy of delivering easy-to-use, diverse and competitive products and services. Developed with customers in mind, our complete line of personal accounts, ranging from NOW Accounts and Debit Cards to Mortgage Loans and Equity Lines of Credit, can offer you financial flexibility, convenience and stability.
Checking
Savings
Certificates of Deposit
| N.O.W. Account |  |
- Unlimited checkwriting
- Monthly statements
- Interest rates compounded daily and paid monthly
- Initial deposit requirement of just $10
- Interest paid on a minimum balance of $10
- Complimentary Greystone personalized checks when account is opened for at least $300
- A nominal $1.00 monthly services charge and $.20 per check fee if balance falls below $300
| Money Market Account | |
- A minimum starting balance of just $1,000
- No monthly service charges
- Comprehensive monthly statement
- Competitive interest rates, compounded monthly on all tiers
- Rate tiers of $0 to $999.99 and $1,000 and above
- Unlimited over-the-counter withdrawals and transfers
- Three checks may clear per statement period
| High Rate Money Market Account | |
- A minimum starting balance of $5,000
- No monthly service charges
- Comprehensive monthly statement
- Market interest rates, compounded monthly on all tiers
- Rate tiers of $0 to $4,999.99 and $5,000 and above
- Unlimited over-the-counter withdrawals and transfers
- Three checks may clear per statement period
You can add to the convenience of a N.O.W. Account or Money Market Deposit Account by using any of the following related services:
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* at Bay State Bank ATM's - click here for locations
(member of SUM - Surcharge Free Alliances)
(member of NYCE® and PLUS® Networks)
| Passbook Savings | |
We begin with our Passbook Savings Account - a longtime favorite with some new advantages. Start yours with an opening balance of just $10.00 and you'll get a passbook - your permanent record of every transaction. Interest is paid on balances of $10.00 or more and withdrawals can be made without penalty. Should your balance fall below $100.00 there is a low monthly service charge of only $1.00 per month.
You can add to the convenience of a passbook savings account by electing any of the following related services:
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| Statement Savings | |
Our Statement Savings Account - as easy and convenient as a passbook with all the advantages of today's technology. Open yours for just $10.00 and enjoy the convenience of our Free 24-Hour ATM Card, easy-to-read monthly activity statement and instant access to your funds. Interest is compounded daily and paid monthly on balances of $10.00 or more. However, should your balance fall below $100 there is a low monthly service charge of only $1.00 per month.
You can add to the convenience of a passbook savings account by electing any of the following related services:
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| 50K Club Account | |
With the 50K Club Account from Bay State Bank you'll be doing more than just saving money, you'll be investing in a high rate, totally liquid FDIC insured alternative to other money funds. Invest a minimum of $50,000 in this special passbook account and receive additional benefits of free personal money orders, free travelers checks and free treasurer's checks. There are no monthly service charges on this account. To calculate your monthly return on funds deposited, click here.
You can add to the convenience of a 50K Club Account by electing any of the following related services:
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| 40K Club Account | |
The 40K Club Account offers the opportunity to invest your funds in a high yielding, FDIC insured account with the added benefit of a comprehensive monthly statement. This liquid investment account requires a minimum balance of $40,000. As a 40K Club investor you will also be qualified to receive free personal money orders, free travelers checks and free treasurers checks. There are no monthly service charges on this account. To calculate your monthly return on funds deposited, click here.
You can add to the convenience of a 40K Club Account by electing any of the following related services:
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* at Bay State Bank ATM's - click here for locations
(member of SUM - Surcharge Free Alliances)
(member of NYCE® and PLUS® Networks)